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Review on American Express Blue Cash Everyday

Blue Cash Everyday® Card from American Express

Your best choice when it comes down to rewards on gas and food.

In case you want to save money on gas and groceries, you’ll definitely be interested in getting this card.

The card implies no annual fee to pay and promises rewards at rather high rates. To be more exact, you’ll get 3% cash back for the sums you spend on groceries at the US supermarkets. The cash back rate applies for the total sum of $6,000 spent within 1 year. Moreover, the card will give you an opportunity to get 2% cash back for the purchases made at gas stations and selected US department stores.

The card is often compared with its “better alternative” – the Blue Cash Preferred® Card from American Express. It’s considered to be one of the best cards to have in terms of high rewards rates for gas and groceries purchases. However, some people may come to the conclusion that they don’t want to pay the annual fee of $95. Probably, for those spending a lot on gas and groceries the annual fee won’t matter that much. The thing is that this card offers as much as 6% cash back on purchases made at the US stores. Once you reach the limit of $6,000 concerning the purchases in the categories, the cash back of 1% applies. You’re also to expect the cash back of 3% on the purchases made at gas stations and the US department stores.

Still, the Blue Cash Everyday® Card from American Express has its own army of fans due to the fact that it has no annual fee at all, but offers rather appealing rewards rates. Actually, if you don’t spend that much, this card may be your ideal choice.

General information on the card

Benefits:

  • You get rewards for the purchases at the US supermarkets.
  • A very appealing sign-up bonus.
  • No annual fee to pay.
  • A “bonus” period during which no APR applies.

Disadvantages:

  • You can have problems when trying to use the card outside of the US.
  • The minimal sum of money you can request for redemption amounts to $25.
  • You’ll have to pay extra fee for foreign transactions.
  • Your credit score should be good or nearly excellent if you want to get the card.

Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express

  • APR Special Offer: There is no fee on purchases and balance transfer operations you carry out during the first 15 months.
  • Standard APR amounts to 13.99 – 24.99%. The rate varies. Cash Advance APR amounts to 26.24% but can also vary. A different APR applies in case you don’t pay off for the purchases made on time. The rate amounts to up to 29.99% but it can also vary.
  • No annual fee to pay.
  • Special Offer: If you manage to spend $1,000 during the first 3 months of using the card, you’ll get $150 statement credit. Pay attention to the fact that the offer is a subject to certain terms and conditions.

More information on the card:

  • If you meet all the necessary requirements, you can get $150 statement credit.
  • If you manage to spend the sum of $6,000 during a year, you’ll get a cash back of 3% for the purchases made in the US retail stores. After that, the rewards rate of 1% applies.
  • If you have a car, this card will be also useful for you. You can get 2% cash back for the purchases made at the US gas stations and selected department stores. For any other kinds of purchases, you’ll earn 1% cash back.
  • No APR for the purchases and transfer operations carried out during the first 15 months is a huge advantage of the card.
  • The number of stores and places in the US where you can pay using this card is constantly increasing.
  • No annual fee to pay each year.
  • You get your cash back as Rewards Dollars that can later be redeemed in a number of ways. For example, statement credit, gift cards and merchandise.
  • The offers and rates concerning the card are subjects to certain terms.

Blue Cash Everyday® Card from American Express: information you need to pay special attention to and the reasons for you to consider applying for the card

Features of the card you need to pay special attention to:

  • No annual fee to pay.
  • Special Offer: If you manage to spend $1,000 during the first 3 months of using the card, you’ll get $150 statement credit. Pay attention to the fact that the offer is a subject to certain terms and conditions.
  • APR Special Offer: There is no fee on purchases and balance transfer operations you carry out during the first 15 months. Once the period is over, the Standard APR will apply.

Below, you’ll find the reasons for you to consider applying for the card.

You’re looking for rewards on purchases made at supermarkets. Actually, the cash back you can get, if you have a rather big family and need to regularly buy food and other household items, is rather big. The only thing to remember about when using this card is that you need to know where exactly to make purchases in order to get your rewards. Don’t forget that the definition of “supermarkets” according to the AMEX is quite different from that we imply when using this words in everyday communication. With this card you won’t get any rewards for buying anything at Wal-Mart, Target, specialty food stores and a number of other stores. The rewards rate of 3% applies only for the sum of $6,000. Once you exceed the limit, the rate of 1% will apply. Of course, a big family can easily exceed the limit. Still, there is a reward you’ll get even after that.

You’re looking for rewards to get for the purchases at gas stations. When buying gasoline and paying for it with the card, you’ll get 2% cash back. The most important thing here is that there are no limits. You can earn as mane rewards as you want. At the same time, there are also some restrictions to keep in mind:

  • You get the rewards only for making purchases at traditional stand-alone gas stations. It means that you need to forget going to warehouse clubs, superstores and supermarkets that sell gas.
  • There is a list of qualifying department stores as well. Only those purchases made at the stores will bring you the highest reward possible. The AMEX card doesn’t imply any rewards for the purchases at Target and Wal-Mart, but promises to reward you for buying at a number of well-known places. For example, Macy’s, Kohl’s and Sears. Still, if you prefer making purchases at one of the stores that refers to your regional department store chains, you may not be able to get cash back on them.

You’re looking for a card with a nice sign-up bonus. The card has a very appealing sign-up bonus for you that’s very easy to get. You only have to spend $1,000 during the first 3 months of you using the card. If you do it, you’ll get $150 statement credit. That sounds great since there aren’t many cards that come with a sign-up bonus.

You’re looking for a card that has a Special Offer in terms of APR. If you can’t pay in full each month, the rewards or bonuses that come with the card you’re using should be the things you focus on first. You should do your best to decrease your debt. In this context, the AMEX Blue Cash Everyday looks perfect because it implies a bonus period during which you’re not expected to pay any interest.

Other options to consider

As a rule, those studying information on this card often face a certain dilemma. They wonder whether or not they should get the alternative of the card – The Blue Cash Preferred® Card from American Express. The card offers high rewards rates but comes with an annual fee of $95. The fee may seem rather big for the majority of those looking for a cash back credit card.

If you want to find out whether it’s beneficial for you to get the Blue Cash Preferred® Card, make some simple calculations. The idea is to find out how much you spend on groceries and gas per one week. If you’re a not big spender, then the Blue Cash Everyday® Card is your ideal choice. However, there are other cards with flat rates available. You need to study information on them before you make your final decision. These cards also offer rewards and bonuses, so you won’t lose anything.

We recommend you finding out more about the Citi® Double Cash Card. It allows you to earn 1% cash back when paying for the items you want to buy and an additional 1% when you’re paying them off. Everything is easy and simple. There are no bonus categories to activate each quarter of a year.

However, if you wish to have a high reward for the purchases in bonus categories, you should take into consideration the following cards: Chase Freedom® and Discover it® – Cashback Match™. Both the cads have bonus categories that you should activate in order to get rewards for making purchases in them. The rewards rate amounts to 5%.

Citi Double Cash Card                Chase Freedom               Discover it - Cashback Match

If you believe that the Blue Cash Everyday® Card from American Express is the card that meets your needs perfectly, consider the following drawback:

  • The card is not accepted everywhere. The AMEX cards are not accepted widely. This also refers to their international acceptance. Consequently, you’d better not take this card with you when going to travel. Even if you succeed in finding a place where you can pay with the card, be ready to pay extra 2.7% for the purchases made abroad.

Summary: Is the American Express Blue Cash Everyday your ideal option?

The card offers quite beneficial rewards rates in case you happen to be a regular customer at the US supermarkets, department stores and gas stations that are included in the list of the American Express. If you aren’t such like a customer, you’d better continue your search for a credit cash back card. Thankfully, there are many of them available. What’s more important, there are lots of cards that imply better special offers and rewards rates.

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Comments: 3
  1. Laura Stein

    I’ve been approved for the card recently. I was doubting on whether to get the card for a long time. Finally, I decided that the sign-up bonus and the rewards promised suit me the best.

  2. Wesley

    The AMEX cards allow you to buy items and get them delivered to your place for free. The offer is usually valid for 2 days. However, there is a certain list of places where you should buy to have this “discount” on the delivery service.

  3. Desiree

    I love the card! I’ve been using it for 6 months already and I don’t think there is any other card that can meet my needs better than this one. At first, I was thinking about applying for the Preferred one, but I found out that I don’t spend that much to earn the maximal bonus offered by it.

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